US Patent:
20040078244, Apr 22, 2004
Inventors:
Mitchell Katcher - Stamford CT, US
International Classification:
G06F017/60
Abstract:
The present invention provides a combination of the investment methodology known as sector rotation with tax-advantaged investment products, particularly, variable annuity and variable life insurance products and combination insurance products. The sector rotation methodology is implemented through purchase of appropriate funds, such as equity mutual funds, exchange traded funds, or index funds which are available through such variable annuity and variable life insurance products and combination insurance products, and such funds being determined by an asset allocation or style-driven model created by an insurance company or investment adviser. In one embodiment, the sector rotation methodology is implemented through a fund of funds approach.